"D.Duck" wrote in message
...


I'm pretty much in the same position. I haven't had a loan payment in
over 20 years (FICO now 800+) and hopefully won't need one again in this
lifetime. For those that will need credit, the extra baggage on the
credit report won't help.




The last credit report I read indicated that my score was not as high as it
could be because I didn't have a mortgage.

??????????

I am like you and JohnH now. Now that I don't need it, I have all kinds of
credit available and I don't use any of it.

But, I also remember that it took me 10 years to pay off a small balance on
a stupid Hechinger's credit card that I had back in the Navy. Every penny
counted for many years.

Eisboch